EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING

Size: px
Start display at page:

Download "EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING"

Transcription

1 EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING This document sets out the terms and conditions of your cover and it is important that you read it carefully. It explains what is covered and what is not covered. There are also exclusions and conditions that you must follow for the policy to work. This policy is provided on behalf of ALPS a trading name of Auto Legal Protection Services Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number ). Its registered office is at Sunnyside Mill, Highfield Road, Congleton, Cheshire CW12 3AQ. It is registered in England no: INSURER This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Assistance Group. Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation by the Financial Conduct Authority are available from us on request. Inter Partner Assistance SA firm register number is You can check this on the Financial Services Register by visiting the website or by contacting the Financial Conduct Authority on WHAT MAKES UP THIS POLICY? These motor excess insurance policy terms and conditions. COOLING OFF PERIOD If you find that the cover provided under this policy does not meet your needs, please contact us on within 14 days of receiving this document and we will cancel this policy. You will receive a full refund of your premium as long as you have not made any claims. We may cancel this policy by giving you at least 14 days written notice at your last-known address if: You fail to pay the premiums; You otherwise stop keeping to the terms and conditions of this policy in any significant way; or The cost of providing this policy becomes too high. We may cancel this policy without giving you notice if, by law or other reason, we are prevented from providing it. If we cancel the policy under this section, we will refund the premium paid for the remaining period of insurance, unless you have made any claims. We can refuse to renew any individual policy. We may cancel this policy without giving you notice and without refunding your premium if you: Make or try to make a fraudulent claim under your policy; Are abusive or threatening towards our staff; or Repeatedly or seriously break the terms of this policy. If you make a valid claim before the policy is cancelled, we will pay it before we cancel the policy. JURISDICTION AND LAW This motor excess insurance policy is governed by the laws of England and Wales.

2 DEMANDS AND NEEDS This motor excess insurance policy meets the demands and needs of a policy holder seeking to protect the excess they are liable for following a successful claim under their main insurance policy. DEFINITIONS Where we explain what a word or phrase means that word or phrase will be highlighted in bold print and will have the same meaning wherever it is used in the policy. Annual aggregate limit means the total amount of cover you have bought under your motor excess insurance policy. Business use class 3 (BU3) means you and your named drivers are authorised drivers using the vehicle for business, to solicit orders and deliver pre-purchased goods. This includes sales representatives, consultants and agents and anyone else who uses the vehicle to travel from customer to customer for commercial business use including hire and reward. Excess means the amount that is deducted from your settled claim under your main insurance policy. The excess is the first part of any claim which is not payable by the insurer. Payment of the excess will not include any administration or other fees which you may be charged by your insurer under your main insurance policy. Such fees are not recoverable under your motor excess insurance policy. Home means your main permanent place of residence in the United Kingdom. Motor excess insurance policy means this insurance. Main insurance policy means insurance policy issued by an authorised UK motor insurer to you in respect of your motor vehicle. Motor Vehicle means a vehicle or motorbike which is registered at your home address, used for social and domestic purposes and commuting to your usual place of work, which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and not exceed 3.5 tonnes. You must be the owner of the Motor Vehicle or authorised to drive it. Period of Insurance means the period for which we have accepted the premium as stated in your certificate of insurance. Settled claim means a valid claim paid under your main insurance policy or, by a relevant third party, where you were at fault. Third party means a person or company liable to you in respect of a claim. United Kingdom means Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Waived or reimbursed means where a third party has already made good the excess

3 We/Us/Our means Inter Partner Assistance (the insurer) and AXA Assistance (UK) Ltd (the administrators of this policy) both of The Quadrangle, Station Road, Redhill, Surrey, UK, RH1 1PR. In the Data Protection section of this policy we also means ALPS You/your/policy holder means the person whose name appears on the certificate of insurance of your Main Insurance policy. WHAT IS COVERED? a. Subject to the appropriate premium being paid, we will pay you in each relevant period of insurance an amount equal to the excess in relation to each settled claim on your main motor insurance policy up to the annual aggregate limit in respect of claims arising from fire, theft, flood, vandalism or an accident where you were at fault or partially at fault or where within 6 months you are unable to recover your excess from a liable third party. This motor excess insurance policy covers one motor vehicle only whilst being used for: social, domestic pleasure and commuting to and from your place of business. b. personal business use by policyholder including business use class The maximum amount payable under this policy will be You are also covered where you have been unsuccessful in recovering the excess cost from a third party within six months of making a valid claim against them under your main insurance policy. This Policy will continue to respond for the period of insurance or until your 750 is exhausted whichever comes first. You will then be liable for all and any future excess payments as defined in your main insurance policy. The annual aggregate limit is 750 in any one policy period. GENERAL CONDITIONS 1. The main insurance policy must be valid and provided by an insurer authorised to conduct insurance business in the United Kingdom. 2. Your name must be stated as the policy holder in the certificate of insurance and as the policyholder on your main insurance policy. 3. In the event that any misrepresentation or concealment is made by you or on your behalf in obtaining cover or making a claim under this motor excess insurance policy this policy will be void, no claims will be paid and no refund of premium will be given. 4. If you are covered by any other insurance for the excess payable, which results in a valid claim under that policy, we will only pay our proportionate share of the claim. 5. You must take reasonable steps to safeguard against loss or additional exposure to loss. 6. You must be permanently resident in the United Kingdom 7. In the event we pay a claim under any cover provided by this insurance that may be recoverable from a third party, we will be entitled to ask for all reasonable help from you to take action in your name to get back our costs from the third party. 8. This insurance contract is between you and us. Any person or company who is not party to this motor excess insurance policy has no right under the Contracts (Right of Third Parties) Act 1999 to enforce any condition of this policy. This does not affect any other rights another organisation has apart from under that Act. 9. We may cancel this motor excess insurance policy by giving you 14 days notice by recorded delivery to your last known address and will refund the amount of your premium proportionate to the unexpired term of your policy provided you have not made a claim.

4 WHAT IS NOT COVERED (EXCLUSIONS) 1. Claims for excess that your main insurance policy does not respond to or where the excess is not exceeded. 2. We will not reimburse you for any claim you make under this motor excess insurance policy within the first 30 days immediately following the start date of cover unless this insurance was taken out at the same time as your main insurance policy. 3. Claims where the excess is waived or reimbursed by a third party or not exceeded. 4. Claims which took place outside the period of insurance of this motor excess insurance policy. 5. Claims where the incident took place outside the United Kingdom. 6. Claims notified to us more than 30 days following the settlement of a claim under your main insurance policy or by a third party. 7. Excess payments in respect of claims refused by your main insurance policy 8. Any contribution or deduction from your settled claim under your main insurance policy other than the stated policy excess for which you have been made liable. 9. Motor vehicles not specified in your main insurance policy. 10. Motor claims arising from breakdown, misfuelling, windscreen repair or replacement or any glass repair or replacement to your motor vehicle. 11. Any losses caused by war, revolution or any similar event. 12. Any losses caused by: ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste which results from burning nuclear fuel; or radioactive, toxic, explosive or other dangerous properties of any nuclear machinery or any part of it. HOW TO MAKE A CLAIM To make a claim we will ask you to submit supporting documentation listed below. It is important you submit all the documentation requested, as we will be unable to process your claim until received. 1. Scheme Code: Evidence the excess amount has been paid to your motor insurer following your claim 3. Evidence that your claim with your main insurer has been settled stating that you were at fault. 4. Certificate of main insurance policy that you have paid the excess on. Via the internet: Visit our claims web site: https://www.excessclaim.co.uk where you will be able register your claim on line. Or By Phone Please call AXA Assistance on to notify your claim. You will receive a claim form to complete and will be asked to send us copies of your documents. Our internet solution allows you to enter all the necessary details we require to settle your claim. We recommend you use the web link as you will need to post documents to us if you contact us by phone, which could result in delays of your claim being settled. FAILURE TO FOLLOW THESE STEPS MAY DELAY OR JEOPARDISE THE PAYMENT OF YOUR CLAIM.

5 Complaints Procedure We do everything possible to make sure that you receive a high standard of service. If you are not satisfied with the service that you receive, please contact: The Quality Manager, Inter Partner Assistance SA, The Quadrangle, Station Road, Redhill, Surrey, UK. RH1 1PR. Telephone: If we have given you our final response and you remain dissatisfied you may refer your case to the Financial Ombudsman Service (FOS). Their address is: Exchange Tower, Harbour Exchange Square, London, E14 9GE.Telephone Compensation Scheme Inter Partner Assistance SA is a member of the Financial Services Compensation Scheme (FSCS). Further information can be obtained from the website DATA PROTECTION We will keep details of you, your cover and claims to help us deal with your claims, prevent and detect fraud, money laundering or similar activity. We will use this information in line with the Data Protection Act Upon payment of a statutory fee you can request a copy of the information that we hold about you. To request this, please write to: Data Protection Officer, Inter Partner Assistance SA, The Quadrangle, Station Road, Redhill, Surrey, UK. RH1 1PR Please let ALPS know if you think any information we hold about you is inaccurate, so that we can correct it. The information we hold about you is confidential. We will only ever disclose it to another party with your consent, or if the law requires us to disclose it. We may monitor and record phone calls to help maintain our quality standards and for security purposes.

Motor Excess Protection Insurance

Motor Excess Protection Insurance Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United

More information

Online Motor Excess Protect Insurance. Policy Wording

Online Motor Excess Protect Insurance. Policy Wording Online Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording Introduction Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording

More information

Asda Value Car Insurance. Excess Protection. money

Asda Value Car Insurance. Excess Protection. money Asda Value Car Insurance Excess Protection money Contents page number Motor Excess Protection Policy Wording... 3 Introduction... 3 Regulatory Information... 3 Your Insurer... 3 What Makes up this Policy?...4

More information

Motor Excess Protect Insurance Policy Wording

Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording www.cvd-insurance.co.uk Motor Excess Protect Insurance Policy Wording Introduction Thank You for choosing Motor Excess Protect Insurance. The information in

More information

Motor Excess Protection

Motor Excess Protection Motor Excess Protection Insurance DOCUMENTS Contents Excess Protection Policy Wording 1 Definitions 1 Making a claim 2 Cover Provided 3 What is not covered (Exclusions) 3 Conditions Applicable 4 Complaints

More information

Online Home and Contents Excess Protect Insurance. Policy Wording

Online Home and Contents Excess Protect Insurance. Policy Wording Online Home and Contents Excess Protect Insurance Policy Wording Important Numbers Claims Helpline 0844 225 9653 Scheme Number 10033 Customer Services 0845 683 0743 Home Excess Protect Insurance Policy

More information

This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/firms/systems- reporting/register

This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/firms/systems- reporting/register Motor Excess Protect Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording contains important information and We have made it as easy as possible to understand.

More information

Multi Motor Excess Protect Policy Document

Multi Motor Excess Protect Policy Document Multi Motor Excess Protect Policy Document Thank you for choosing multi motor excess protect insurance. The information in this policy wording contains important information and we have made it as easy

More information

Asda Van Insurance. Excess Protection. money

Asda Van Insurance. Excess Protection. money Asda Van Insurance Excess Protection money Contents page number Excess protection... 3 Who is your insurer?... 3 Certification of Cover... 3 Important... 3 Who administers your policy?... 3 Language...

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Excess Protection Insurance Policy

Excess Protection Insurance Policy Excess Protection Insurance Policy Table of Contents SECTION 1: Policy Structure 2 SECTION 2: Definitions 3 SECTION 3: Eligibility 4 SECTION 4: General conditions of cover 5 SECTION 5: Exclusions 6 SECTION

More information

Touring Caravan Excess Protect

Touring Caravan Excess Protect Touring Caravan Excess Protect In the event of a claim please call: 0800 587 2976 2 TRINITY LANE TOURING CARAVAN EXCESS PROTECT INSURANCE POLICY About your Insurance This insurance is underwritten by Trinity

More information

Commercial & Motor Trade Excess Reimbursement Policy Wording. Please refer to Your Certificate of Insurance for confirmation of coverage details

Commercial & Motor Trade Excess Reimbursement Policy Wording. Please refer to Your Certificate of Insurance for confirmation of coverage details Please refer to Your Certificate of Insurance for confirmation of coverage details This is Your Commercial & Motor Trade Excess Reimbursement Insurance Policy. It contains details of cover, conditions

More information

Private Motor Vehicle Excess Protect

Private Motor Vehicle Excess Protect Private Motor Vehicle Excess Protect Insurance Policy Flux Direct 2 The Causeway, Bishops Stortford, Herts, CM23 2EJ In the event of a claim please call: 0844 888 7361 Customer Service: 0800 089 0154 Or

More information

Commercial Vehicle Excess Protect

Commercial Vehicle Excess Protect Commercial Vehicle Excess Protect In consideration of You having purchased Business & Domestic Commercial Vehicle Excess Protect insurance, We agree to indemnify You in accordance with the terms exclusions

More information

Motor Vehicle Excess Protection Policy Wording

Motor Vehicle Excess Protection Policy Wording Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions

More information

In the event of a claim please call. Insurance

In the event of a claim please call. Insurance In the event of a claim please call 0871 222 79 10 Excess Protection Insurance Excess Protection Insurance Section 1: Policy Structure Thank You for choosing Excess Protection Insurance. This policy wording

More information

1 ST CENTRAL Hire Car policy summary

1 ST CENTRAL Hire Car policy summary My Hire Car Cover... 1 ST CENTRAL Hire Car policy summary This is a summary of your Hire Car policy. It does not contain the full terms and conditions, which can be found in the Policy Document that follows

More information

Motoring Legal Solutions Policy Document

Motoring Legal Solutions Policy Document Motoring Legal Solutions Policy Document Please read this document carefully to familiarise yourself with our terms and conditions and how you can contact us if you are involved in an accident which is

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Motor Legal Expenses Insurance

Motor Legal Expenses Insurance Motor Legal Expenses Insurance Motor Legal Expenses Insurance Policy Document Certificate of Insurance This insurance is underwritten by Inter Partner Assistance SA and managed on their behalf by Arc Legal

More information

Motor Legal Expenses Policy Wording

Motor Legal Expenses Policy Wording 3478676865245-0000000 34545323455index,134545323456 34545323455persist,false34545323456 34545323455output_folder,/strata/clients/ukais/live/v53/exports 34545323455document_name,PREVIEW34545323456 34545323455printfile_path,/strata/clients/ukais/live/v53/exports/PREVIEW.ps34545323456

More information

Replacement Vehicle Car Insurance Policy

Replacement Vehicle Car Insurance Policy Replacement Vehicle Car Policy Express Services - Replacement Vehicle Policy Summary Express Services - Replacement Vehicle Policy Policy Summary This is a summary of available under the Express Services

More information

Replacement Vehicle Van Insurance Policy

Replacement Vehicle Van Insurance Policy Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary

More information

Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance.

Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance. Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance. This document sets out what is and what is not covered, together with the sum insured and any special

More information

HSBC Insurance Aspects: Motor Breakdown Assistance

HSBC Insurance Aspects: Motor Breakdown Assistance HSBC Insurance Aspects: Motor Breakdown Assistance Please read this policy document and keep it for reference Call 0800 587 9809 (free from landlines) or 020 8603 9809 (calls to this number are charged

More information

Home Excess Protection. How are you covered?

Home Excess Protection. How are you covered? Home Excess Protection How are you covered? 1 Contents Page Home Excess Protection 3 Your Demands and Needs 3 Insurer 3 What makes up this policy? 3 Monetary limits 4 Cooling off period 4 Jurisdiction

More information

Home Excess Protection

Home Excess Protection Home Excess Protection 1 Contents Page Home Excess Protection 3 Insurer 3 What makes up this policy? 3 Monetary limits 3 Cooling off period 4 Jurisdiction and law 4 Complaints Procedure 4 Compensation

More information

Your Car Insurance Key Cover Policy Booklet

Your Car Insurance Key Cover Policy Booklet Your Car Insurance Key Cover Policy Booklet Contents Policy Summary...3 Type of Cover...3 Significant Features and Benefits...4 Cancelling Your Policy...5 Making A Claim...5 Complaints Procedure...6 Details

More information

Helmet & Leathers Insurance

Helmet & Leathers Insurance Helmet & Leathers Insurance Contents Your Demands and Needs 2 Definitions 2-3 Eligibility 3 What is Covered 4 What We Will Not Cover 4-5 General Exclusions 5 General Conditions 5-6 How to Make a Claim

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

Flood Excess Insurance Policy

Flood Excess Insurance Policy Flood Excess Insurance Policy INTRODUCTION Thank You for choosing to purchase this Flood Excess Insurance Policy. It is important that You read this policy document carefully, together with Your Policy

More information

Octagon Insurance Legal Expenses Policy

Octagon Insurance Legal Expenses Policy Octagon Insurance Legal Expenses Policy This insurance has been arranged and is administered by Carpenters Solicitors. It is underwritten by Inter Partner Assistance S.A, and managed on their behalf by

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

AXA Car Insurance. Policy summary. June 2014 edition

AXA Car Insurance. Policy summary. June 2014 edition AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore

More information

YOUR MOTOR EXCESS INSURANCE POLICY

YOUR MOTOR EXCESS INSURANCE POLICY YOUR MOTOR EXCESS INSURANCE POLICY MCE_MotorXS_Protection_001 Excess Protection - Focus Insurance Co. For policies incepted 1st July 2014 to 4th January 2015 with Focus Insurance Co. Exclusions 1. Vehicles

More information

Legal Expenses Cover. Applicable contract law Unless we have agreed otherwise, this contract will be governed by English Law.

Legal Expenses Cover. Applicable contract law Unless we have agreed otherwise, this contract will be governed by English Law. Legal Expenses Cover Legal costs All properly incurred and proportionate disbursements, fees and expenses, charged by the appointed representative, or incurred under any fixed recoverable costs scheme,

More information

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances.

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances. Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had

More information

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover Policy Booklet Inside you ll find full details of your Upgraded Courtesy Car Cover Upgraded Courtesy Car Cover Contents Page Policy summary 1 Terms and conditions about your insurance 6 Meaning of words

More information

AXA Car Insurance. Policy summary. April 2015 edition

AXA Car Insurance. Policy summary. April 2015 edition AXA Car Insurance Policy summary April 2015 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

Motor Legal Expenses Policy Summary

Motor Legal Expenses Policy Summary 1 Motor Legal Expenses Policy Summary Some important facts about your Kwik Fit Insurance Services Motor Legal Expenses insurance policy are summarised below. This summary does not describe all the terms

More information

Trinity Forces Personal Injury Legal Protection

Trinity Forces Personal Injury Legal Protection trinity Forces PERSONAL INJURY LEGAL PROTECTION Trinity Forces Personal Injury Legal Protection From the specialist you can trust POLICY WORDING FEBRUARY 2015 www.trinity-ins.com 2 PERSONAL INJURY LEGAL

More information

PROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition

PROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition PROPERTY DEVELOPMENT CONTINGENCY INSURANCE Your Policy Terms and Conditions September 2013 Edition WELCOME TO AXA Introducing AXA One of the world s largest insurers With more than 50 million customers

More information

Rias Car Insurance. Policy Summary. Who provides your cover

Rias Car Insurance. Policy Summary. Who provides your cover Rias Car Insurance Summary This is a summary of the cover provided under the Rias Car Insurance policy. The full terms and conditions of the cover can be found in the car insurance policy booklet when

More information

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. GAP Insurance IMPORTANT: Full details of Your cover, the conditions that apply, the claims process and the circumstances when claims will not be met are contained in this Policy. You should read this document

More information

Household Personal Accident Cover How are you covered?

Household Personal Accident Cover How are you covered? Household Personal Accident Cover How are you covered? Household Personal Accident - Policy Summary Contents Your Demands and Needs Your Insurance Definitions Eligibility What is Covered What we will Not

More information

CAR PROTECT GAP. General Asset Protection Insurance

CAR PROTECT GAP. General Asset Protection Insurance CAR PROTECT GAP General Asset Protection Insurance HOW TO CONTACT US By Telephone Claims & Technical Queries Line - 015313000 - Option 2 Customer Services - 015313000 - Option 3 By Email Customer Services

More information

Demands and Needs Statement

Demands and Needs Statement Hire Car Cover Demands and Needs Statement This policy meets the demands and needs of a driver who requires a replacement car if their own vehicle is confirmed as a total loss or has been stolen and remains

More information

Household Personal Accident Insurance

Household Personal Accident Insurance Household Personal Accident Insurance Contents Your Demands and Needs Your Insurance Definitions Eligibility What is Covered? What we will not cover General Exclusions General Conditions How to make a

More information

Legal Expenses Insurance

Legal Expenses Insurance Legal Expenses Express Services - Motor Legal Expenses Policy Summary Some important facts about your Express Services Motor Legal Expenses insurance policy are summarised below. This summary does not

More information

Your Van Insurance Motor Legal Protection Policy Booklet

Your Van Insurance Motor Legal Protection Policy Booklet Your Van Insurance Motor Legal Protection Policy Booklet Contents Motor Legal Protection Insurance...3 Motor Legal Expenses...3 Helpline Services...3 Motor Legal Expenses Policy Summary...4 Cancellation

More information

H M o o ltid or ay Le H g o al mes Legal E E x x p p e e n ns s ee s si I nn s s uu r r a a n nce ce

H M o o ltid or ay Le H g o al mes Legal E E x x p p e e n ns s ee s si I nn s s uu r r a a n nce ce Motor Legal Holiday Homes Legal Expenses ExpensesInsurance Insurance Motor Legal Expenses Insurance This insurance is underwritten by Inter Partner Assistance SA and administered on their behalf by Arc

More information

1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it

1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it MOTORING LEGAL SOLUTIONS MCE ASSIST THIS IS YOUR INSURANCE POLICY This policy is evidence of the contract between you and the Insurer. Following an Insured Event the Insurer will pay the Insured s Legal

More information

Motor Legal Protection Policy Booklet

Motor Legal Protection Policy Booklet Motor Legal Protection Policy Booklet Important Contact Numbers Claims notification for accidents that are not your fault (24 hours a day 365 days a year) Claims notification for contract disputes and

More information

Motor Legal Protection Policy

Motor Legal Protection Policy This cover only applies if included on your policy or you have purchased Motor Legal Protection as shown in your current Policy Schedule or your Renewal Notice. Demands And Needs Statement This policy

More information

Octagon Insurance Legal Expenses Policy

Octagon Insurance Legal Expenses Policy Octagon Insurance Legal Expenses Policy 1 2 This Octagon insurance policy is underwritten by Inter Partner Assistance SA and administered on their behalf by Arc Legal Assistance Limited. The following

More information

Your car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only)

Your car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only) Your car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only) Thank You for choosing Us to fulfill your short period car insurance requirements. You can be sure that we ll be there

More information

Mobility Scooter Rescue Policy

Mobility Scooter Rescue Policy Mobility Scooter Rescue Policy Key facts please note this page is just an overview of your cover please read the attached policy documents for complete cover terms - words in bold are defined on page 3

More information

kaplan care insurance Guide 2015 Travel, academic and medical insurance policy www.kic.org.uk

kaplan care insurance Guide 2015 Travel, academic and medical insurance policy www.kic.org.uk kaplan care insurance Guide 2015 Travel, academic and medical insurance policy www.kic.org.uk welcome to kaplan care Kaplan Care has been specially designed for international students by Kaplan International

More information

KAPLAN CARE INSURANCE GUIDE 2015 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk

KAPLAN CARE INSURANCE GUIDE 2015 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk KAPLAN CARE INSURANCE GUIDE 2015 TRAVEL, ACADEMIC AND MEDICAL INSURANCE POLICY www.kic.org.uk WELCOME TO KAPLAN CARE Kaplan Care has been specially designed for international students by Kaplan International

More information

Asda Value Car Insurance. Hire car. money

Asda Value Car Insurance. Hire car. money Asda Value Car Insurance Hire car money Contents page number Hire Car Insurance Policy Summary...4 Your Hire Car Policy Terms and Conditions... 7 Notice to the Policyholder/Insured Person... 10 page 2

More information

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not

More information

Your car is protected with Short Term Insurance from Aviva (UK only)

Your car is protected with Short Term Insurance from Aviva (UK only) Guide to your Short Term Insurance Policy Your car is protected with Short Term Insurance from Aviva (UK only) Thank you for choosing us to fulfill your short period car insurance requirements. You can

More information

CAR INSURANCE POLICY SUMMARY

CAR INSURANCE POLICY SUMMARY CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

Policy Summary. Holiday Home

Policy Summary. Holiday Home Policy Summary Holiday Home Leisuredays Holiday Home Insurance is underwritten by Royal & Sun Alliance Insurance Plc (RSA). The Legal Expenses optional cover is arranged by LawShield UK Limited with UK

More information

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important

More information

Sheilas Wheels Broker Model Driver Motoring legal protection

Sheilas Wheels Broker Model Driver Motoring legal protection Sheilas Wheels Broker Model Driver Motoring legal protection Thank You for choosing Sheilas Wheels Broker Model Driver Motoring legal protection, which we have provided based on the information you have

More information

Hire Car Policy Summary and Policy Wording

Hire Car Policy Summary and Policy Wording Hire Car Policy Summary and Policy Wording www.debenhamscarinsurance.co.uk Contents Hire Car Insurance Policy Summary... 4 Your Hire Car Policy Terms and Conditions... 6 Notice to the Policyholder/Insured

More information

Your policy summary. If you have an accident...call us straight away on 0844 891 5391.

Your policy summary. If you have an accident...call us straight away on 0844 891 5391. Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important

More information

Octagon Insurance Lost Keys Protection

Octagon Insurance Lost Keys Protection Octagon Insurance Lost Keys Protection Lost Keys Protection This policy is underwritten by Inter Partner Assistance SA who are a wholly owned subsidiary of AXA Assistance and are part of the worldwide

More information

Full details of what you have chosen are shown in your personal quotation and policy schedule.

Full details of what you have chosen are shown in your personal quotation and policy schedule. CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

Motor Legal Protection Insurance

Motor Legal Protection Insurance Hyundai Insurance Motor Legal Protection Insurance Policy Document Claims Line Legal Helpline 0844 836 7381 (24 hours) 0843 658 5381 (24 hours) www.hyundaimotorinsurance.co.uk Motor Legal Protection Insurance

More information

Your Insurance Documentation The Nectar Credit Card/ The Nectar Business Credit Card from American Express

Your Insurance Documentation The Nectar Credit Card/ The Nectar Business Credit Card from American Express Your Insurance Documentation The Nectar Credit Card/ The Nectar Business Credit Card from American Express YOUR INSURANCE DOCUMENTATION THE NECTAR CREDIT CARD/ THE NECTAR BUSINESS CREDIT CARD FROM AMERICAN

More information

Pier Insurance Policy Wording

Pier Insurance Policy Wording Contents: Pier Insurance Policy Wording Summary of Cover: Sections A Terms of Business B Terms & Conditions C Key Facts D Demands & Needs statement 1 Electronic Equipment Terms & Conditions Definitions

More information

excess Protect In the event of a claim please call Insurance OMG_PC_Alpha_ExcessProtect_002

excess Protect In the event of a claim please call Insurance OMG_PC_Alpha_ExcessProtect_002 YOUR excess Protect INSURANCE POLICY In the event of a claim please call 0871 423 03 45 OMG! Insurance OMG_PC_Alpha_ExcessProtect_002 In consideration of You having paid the premium or agreed to pay the

More information

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues.

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Motor car insurance Policy summary This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Policy Summary Type of insurance and cover This is an insurance

More information

RAC Day Insurance Policy document

RAC Day Insurance Policy document Day Insurance RAC Day Insurance Policy document rac.co.uk Your car is protected with RAC Day Insurance (UK only) Thank you for choosing us to fulfil your short period car insurance requirements. You can

More information

Act quickly after an accident and call us now on 0800 783 6066

Act quickly after an accident and call us now on 0800 783 6066 DASDrive Plus legal protection This is your policy wording Act quickly after an accident and call us now on 0800 783 6066 www.dasdrive.co.uk Important information This is your DASDrive Plus legal protection

More information

Motor Legal Protection Policy

Motor Legal Protection Policy Motor Legal Protection Policy Motor Legal Protection Policy This policy meets the demands and needs of a driver who is involved in a motor accident for which they are not to blame and are not covered by

More information

Breakdown and Rescue Service

Breakdown and Rescue Service Breakdown and Rescue Service Emergency 24 hour telephone number 0800 587 6057 or 01277 720 745 COMPUTERQUOTEINSURANCE.COM BREAKDOWN This document is only valid when issued in conjunction with a signed

More information

Key Protection Policy Wording

Key Protection Policy Wording Key Protection Policy Wording This Policy has been arranged by Motorplus Limited and Boomerang-Tag Limited with Qdos Broker & Underwriting Services Limited and is underwritten by UK General Insurance Limited

More information

AXA Third Party Fire & Theft Car Insurance Policy Summary

AXA Third Party Fire & Theft Car Insurance Policy Summary AXA Third Party Fire & Theft Car Insurance Policy Summary This policy summary does not contain full details and conditions of your insurance these are located in your policy wording. This insurance is

More information

Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan)

Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan) Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan) This insurance is administered by Arc Legal Assistance Limited and underwritten by Inter

More information

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar.

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar. TERMS OF BUSINESS ABOUT OCTAGON INSURANCE Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission, and subject

More information

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording Contents ecar - Prestige Hire Car Policy Summary...4 Your Prestige Hire Car Policy Terms and Conditions...6 Notice to

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M Please read this policy and keep it for reference Contents Page Section A Policy Summary 2 Section B Additional Important

More information

UK and European breakdown cover

UK and European breakdown cover UK and European breakdown cover Introduction Welcome to UK and European breakdown cover This Motor Breakdown and accident recovery service is administered on behalf of The Co-operative Insurance by AXA

More information

SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet:

SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet: Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

Breakdown Recovery Policy Documents

Breakdown Recovery Policy Documents Breakdown Recovery Policy Documents Motoring Assistance Cover This policy is administered by Warranty Direct Limited, Pinnacle House, A1 Barnet Way, Borehamwood, Herts, WD6 2XX (Company No 3233010), which

More information

your statement of insurance

your statement of insurance your statement of insurance block international student travel insurance policyholder: Lewis School Limited policy number: IL9 0084715 issued on: 1st November 2014 reason for issue: new business This Statement

More information

Specialist Vehicle Insurance Policy Summary

Specialist Vehicle Insurance Policy Summary Specialist Vehicle Insurance Policy Summary REF: FJ/KF/SVI/01/05/15 Part of the Towergate Group Specialist Vehicle Insurance Cover Summary Complaints If you have cause to complain, please phone Footman

More information

Home Emergency Cover. Customer Services Helpline 0345 519 4960 Home Emergency Claims Helpline 0800 917 1644

Home Emergency Cover. Customer Services Helpline 0345 519 4960 Home Emergency Claims Helpline 0800 917 1644 Home Emergency Cover Customer Services Helpline 0345 519 4960 Home Emergency Claims Helpline 0800 917 1644 HOME EMERGENCY COVER Introduction This is your home emergency policy document. This policy, any

More information

Mobile Device Insurance Platinum Cover Provided by A1Comms trading as Phones.co.uk

Mobile Device Insurance Platinum Cover Provided by A1Comms trading as Phones.co.uk Important Information Policy Wording Definitions What is covered What is not covered Mobile Device Insurance Platinum Cover Provided by A1Comms trading as Phones.co.uk Below is a list of what information

More information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information Motor Fleet Policy Summary Motor Fleet insurance is for companies, sole traders or partnerships operating a fleet of 3 to 25 vehicles comprising of cars and commercial vehicles used for the business of

More information

Mobile Device Insurance Silver Cover Provided by A1Comms trading as Buymobiles.net

Mobile Device Insurance Silver Cover Provided by A1Comms trading as Buymobiles.net Important Information Policy Wording Definitions What is covered What is not covered Mobile Device Insurance Silver Cover Provided by A1Comms trading as Buymobiles.net Below is a list of what information

More information

Motor Insurance Policy summary

Motor Insurance Policy summary Motor Insurance Policy summary Policy Summary Type of insurance and cover This is an insurance for private type motor cars, dual purpose vehicles (e.g. estate cars), commercial vehicles not used for business

More information

MOTOR FLEET INSURANCE

MOTOR FLEET INSURANCE MOTOR FLEET INSURANCE Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

RIAS Car Insurance P O O B P P O C. Policy Summary. Who provides your cover. Policy Section

RIAS Car Insurance P O O B P P O C. Policy Summary. Who provides your cover. Policy Section RIAS Car Insurance Summary This is a summary of the cover provided under the RIAS Car Insurance policy. The full terms and conditions of the cover can be found in the car insurance policy booklet when

More information